Q4 Earnings Forecast for ECPG Issued By Northland Securities

Key Points

• Northland cut its Q4 2026 EPS estimate for Encore Capital Group to $3.52 from $3.64, while forecasting 2027 quarterly EPS of $3.93, $3.93, $4.22 and $4.44.
• Encore reported Q3 EPS of $5.57, beating the $3.35 consensus, and revenue of $544.5 million, up 18.3% year over year. The company also raised its 2026 EPS outlook to $15.50–$16.
• Analyst sentiment is broadly positive: MarketBeat’s consensus rating is “Moderate Buy,” with a $128.67 price target. Citizens JMP raised its target to $140, while Truist’s $122 target is below the cited $126.17 share price.

Encore Capital Group Inc (NASDAQ:ECPG - Free Report) - Research analysts at Northland Securities dropped their Q4 2026 earnings per share (EPS) estimates for Encore Capital Group in a report issued on Wednesday, November 4th. Northland Securities analyst M. Grondahl now anticipates that the asset manager will post earnings per share of $3.52 for the quarter, down from their previous forecast of $3.64. The consensus estimate for Encore Capital Group's current full-year earnings is $13.52 per share. Northland Securities also issued estimates for Encore Capital Group's Q1 2027 earnings at $3.93 EPS, Q2 2027 earnings at $3.93 EPS, Q3 2027 earnings at $4.22 EPS and Q4 2027 earnings at $4.44 EPS.

Encore Capital Group (NASDAQ:ECPG - Get Free Report) last posted its quarterly earnings data on Wednesday, November 4th. The asset manager reported $5.57 earnings per share (EPS) for the quarter, beating the consensus estimate of $3.35 by $2.22. Encore Capital Group had a return on equity of 34.07% and a net margin of 17.67%. The firm had revenue of $544.54 million for the quarter, compared to the consensus estimate of $466.80 million. During the same quarter in the previous year, the business earned $3.17 EPS. The company's quarterly revenue was up 18.3% compared to the same quarter last year.

A number of other analysts have also issued reports on ECPG. Zacks Research lowered shares of Encore Capital Group from a "strong-buy" rating to a "hold" rating in a research note on Monday, October 5th. Citizens Jmp increased their price target on shares of Encore Capital Group from $115.00 to $140.00 and gave the stock a "market outperform" rating in a research report on Thursday. Citigroup reissued a "market outperform" rating on shares of Encore Capital Group in a research note on Thursday. Truist Financial lifted their price objective on shares of Encore Capital Group from $112.00 to $122.00 and gave the company a "buy" rating in a report on Thursday. Finally, Weiss Ratings upgraded shares of Encore Capital Group from a "buy (b-)" rating to a "buy (b)" rating in a report on Thursday, October 8th. Four research analysts have rated the stock with a Buy rating and one has assigned a Hold rating to the company. Based on data from MarketBeat, the company currently has an average rating of "Moderate Buy" and a consensus price target of $128.67.

Encore Capital Group Stock Performance

Shares of Encore Capital Group stock opened at $126.17 on Friday. The business has a 50-day moving average of $99.61 and a 200 day moving average of $83.92. Encore Capital Group has a 12 month low of $46.80 and a 12 month high of $126.74. The stock has a market capitalization of $2.68 billion, a price-to-earnings ratio of 8.08 and a beta of 1.29. The company has a debt-to-equity ratio of 3.87, a current ratio of 0.96 and a quick ratio of 0.96.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently bought and sold shares of the stock. Maryland State Retirement & Pension System grew its stake in shares of Encore Capital Group by 51.3% during the third quarter. Maryland State Retirement & Pension System now owns 4,744 shares of the asset manager's stock worth $448,000 after purchasing an additional 1,608 shares in the last quarter. Ashton Thomas Private Wealth LLC increased its holdings in Encore Capital Group by 4.1% in the third quarter. Ashton Thomas Private Wealth LLC now owns 2,825 shares of the asset manager's stock valued at $267,000 after buying an additional 110 shares during the last quarter. Signaturefd LLC raised its stake in Encore Capital Group by 185.9% in the third quarter. Signaturefd LLC now owns 366 shares of the asset manager's stock valued at $35,000 after buying an additional 238 shares in the last quarter. Kendall Capital Management acquired a new stake in Encore Capital Group in the third quarter valued at $508,000. Finally, Carnegie Investment Counsel lifted its holdings in Encore Capital Group by 2.3% during the 3rd quarter. Carnegie Investment Counsel now owns 28,030 shares of the asset manager's stock worth $2,647,000 after buying an additional 636 shares during the last quarter.

More Encore Capital Group News

Here are the key news stories impacting Encore Capital Group this week:

• Positive Sentiment: Encore reported Q3 EPS of $5.57, up 76% year over year and well above analyst expectations. Revenue rose 18.3% to $544.5 million, also topping estimates. Global collections increased 14% to a record $754 million. Encore Capital Group Q3 results
• Positive Sentiment: The company raised its 2026 EPS outlook to $15.50–$16 and increased its expected portfolio purchases to $1.5–$1.55 billion, signaling confidence in earnings growth and investment opportunities. Updated 2026 outlook
• Positive Sentiment: Citizens JMP raised its price target to $140 from $115 and maintained a Market Outperform rating. Northland Securities also lifted its estimates for each quarter of 2027, though it reduced its Q4 2026 estimate. Citizens JMP price target
• Negative Sentiment: Truist raised its target to $122 from $112 and kept a Buy rating, but that target is below the stock’s cited $126.17 price, suggesting limited near-term upside at that valuation. Truist forecast

Encore Capital Group Company Profile

Encore Capital Group, Inc is a specialty finance company that purchases portfolios of charged-off consumer receivables and provides debt recovery and management services. Through its operating businesses, the company works with consumers to resolve outstanding obligations through payment plans and other repayment arrangements.

Encore serves consumers and creditors across multiple markets, including the United States, the United Kingdom and other European countries. Its major operating platforms include Midland Credit Management in the United States and Cabot Credit Management in Europe.

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